Capital One contacted me regarding PPI then rejected me!

Let'sTalk£$37 · 9 November 2017 at 1:10AM

Hello, I'm wondering if anyone can give some advice please? I applied to reclaim my mis-sold PPI in 2012 from Capital One, they subsequently rejected my claim. I then received a letter from Capital One a month and a half ago this year (2017) to say that I should reapply for my mis-sold PPI if I feel it was indeed mis-sold. I applied via Resolver but my claim was rejected due it being more than 6 months since my original claim so I wouldn't be able to challenge the initial decision. This is driving me crazy! Should I start a new claim or am I at a dead end? Any help is much appreciated.

Thank you.

[Deleted User] · 9 November 2017 at 1:33AM

Sounds like they invited you to complain on the basis of the Plevin ruling, investigated and found that your policy did not qualify for a refund, but then perhaps sent you the wrong rejection template letter.

Plevin applies to previously rejected complaints, but only if undisclosed commission was in excess of 50%.

Ask them to clarify exactly why you were rejected as they wrote to you in the first place.

Out of interest, why exactly was your original complaint rejected back in 2012?

dunstonh · 9 November 2017 at 10:04AM

Did the letter invite you to complain again or did it invite you to complain under the Plevin/supreme court ruling?

By using Resolver, you effectively tried complaining on the original basis again. I suspect, as above, that this was a Plevin letter not inviting you to complain again.

You get one bite of the cherry. You cant keep complaining expecting a different outcome. Each time you complain, they can keep referring you to their original decision.

Let'sTalk£$37 · 11 November 2017 at 10:01PM

Hi, thank you for getting back to me. The Plevin ruling that you've mentioned sounds interesting and would partially define what's happened. I don't think the commission was over 50% so I may not be applicable in that respect. However I'll definitely ask Capital One to state why they contacted me in the first place which is the frustrating part. My original clam was rejected because I was told I had signed up for PPI even though the PPI was locked in.

Let'sTalk£$37 · 11 November 2017 at 10:15PM

Hi, thank you for replying to me. The letter said I couldn't apply for them to recheck the PPI claim due to more than 6 months passing since the original claim. Were they just covering themselves when they sent out the new letter? It also didn't mention the Plevin/Supreme court ruling sadly. Based on what you've said starting a new compliant on the previous PPI claim wouldn't equal a positive outcome so It sounds like I'm at the end of the road with Capital One.

Capital One contacted me regarding PPI then rejected me!

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